Kane County property record for 812 Oak St, Elgin, IL 60123
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,550 sqft · built 1900 |
| Lot Size | 0.1 acres (4,356 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $160,000 (Mar 2020) |
| Tax Bill | $4,844 (2025) |
| Deeds & Mortgages | Mar 2020 Sale & Mortgage Jun 2019 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-23-108-014 |
| Primary APN | 06-23-108-014 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,550 sqft Living Area |
| Gross Area | 2,340 sqft |
| Basement Area | 790 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Construction Type | Frame |
| Lot Area | 4,356 sqft (0.1 acres) |
| Garage Type | Detached |
| Parking Spaces | 1 Parking Space |
| Street Address | 812 OAK ST |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60123-7304 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GROTE & WALDRONS 4TH ADDN WEST 1/2 LOT 10 BLOCK 6 |
| Legal Subdivision | GROTE&WALDRONS 4TH ADDN |
| Legal Block | 6 |
| Legal Lot Number | 10 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 5 |
| Census Block | 5014 |
| Census Tract | 851600 |
Source: Kane County records, as of July 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 812 OAK ST, ELGIN, IL 60123-7304 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 11, 2020 | Warranty Deed, Transfer · Conventional Mortgage MIDLAND STATES BANK |
| Jun 5, 2019 | Grant Deed, Transfer ATTORNEY ONLY |
| Feb 13, 2019 | Trustee's Deed, Foreclosure ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 11, 2020 · Amount on Record |
| Deed Sale | Mar 11, 2020 · Amount on Record |
| Prior Sale | Jun 5, 2019 · Amount on Record |
| Deed Document Number | 202012947 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Mar 11, 2020 |
| Property Address | 812 OAK ST, ELGIN, IL 60123-7304 |
| Document Number | 0000012947 |
| Instrument Date | Feb 21, 2020 |
| Instrument | 2020K012947 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $160.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 812 OAK ST, ELGIN, IL 60123-7304 |
| Document Number | 0000012948 |
|---|---|
| Date | Mar 11, 2020 |
| Instrument | 2020K012948 |
| Name | MIDLAND STATES BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.75% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jun 5, 2019 |
| Property Address | 812 OAK ST, ELGIN, IL 60123-7304 |
| Document Number | 0000022931 |
| Instrument Date | Apr 24, 2019 |
| Instrument | 22931 |
| Transaction Type | Transfer |
| Record Updated | Jun 17, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $137.91 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1991 CASTLE PINES CIR ELGIN IL 601236850, ELGIN, IL 60123-6850 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Feb 13, 2019 |
| Property Address | 812 OAK ST, ELGIN, IL 60123-7304 |
| Document Number | 0000005732 |
| Instrument Date | Feb 4, 2019 |
| Instrument | 5732 |
| Transaction Type | Foreclosure |
| Record Updated | Feb 21, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1600 S DOUGLASS RD #200-A ANAHEIM CA 928065948, 200-A, ANAHEIM, CA 92806-5948 |
Source: Kane County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,844.00 (+15.8%) Homeowner's exemption | $71,497 (+8.57%) Land $10,355 Building $61,142 | $214,577 (+8.57%) Land $31,077 Building $183,499 |
| 2024 | $65,854 (+21.39%) Land $9,538 Building $56,316 | $197,641 (+21.44%) Land $28,625 Building $169,016 | |
| 2022 | $4,183.00 (+4.86%) Homeowner's exemption | $54,248 (+6.96%) Land $7,857 Building $46,391 | $162,744 (+6.96%) Land $23,571 Building $139,173 |
| 2021 | $3,989.00 Homeowner's exemption | $50,718 Land $7,346 Building $43,372 | $152,154 Land $22,038 Building $130,116 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective October 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 1 (2008) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2008 · Severe Storms And Flooding |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ELGIN serves 114,797 people · EPA ID IL0894380 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2025 |
| Lead | 19 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 8 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 626 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Astound Broadband Cable | 1,500 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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